Services

Business owners are left at the mercy of insurance providers for their workers’ compensation premiums. They usually pay their premiums without performing a breakdown analysis, and often times, they end up overpaying without even realizing it.
Agard & Associates LLC offers consultations to small, medium, and large clients in the following areas to ensure that the amounts they are paying are justified:

• Workers’ Compensation premiums
• Rates
• Classifications
• Experience modification
• Rating systems
• Endorsements and manual rates

Our workers’ compensation premium analysts perform a detailed analysis and look at your insurance documents dating back to the last 6 years to identify any discrepancies and overpayments that you may have made. We strictly audit your documents to ensure that you are not unfairly billed for workers’ compensation premiums.

We have a diverse client base from various industries, including manufacturers, contractors, transportation, municipalities, healthcare, and social services. We identify all your governing insurance policies, statutes, regulations, misclassification of SIC codes, losses paid, claim reserves, state rules, and calculation errors to identify unjustified premium charges.

After performing a detailed claims management analysis that constitutes historical trends, illnesses, injuries, and any key factors, we align risk mitigation, training strategies, and safety with premium reduction goals. We collaborate with our clients and set up a system that involves setting KPIs, real-time data collection, goal setting, and analysis.

Our real-time analytics allow us to take a proactive approach to risks and opportunities. As a result, we offer a quick premium recovery.